Detailed head-to-head comparison between ixigo AU Credit Card and Scapia Axis Bank Credit Card. Compare fees, reward cashback, waiver rules, and airport lounge privileges.
Best for: Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters
Rewards: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25)
Lounge: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic)
Forex markup: 0% (Zero Forex)
Last verified 2 Oct 2026
Best for: Zero Forex Markup, Scapia Travel Rewards & RuPay UPI
Rewards: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.
Lounge: Unlimited Domestic visits · ₹20k monthly spend required
Forex markup: 0% (Zero Forex)
Last verified 15 Oct 2026
Detailed attribute comparison and head-to-head winner declaration
| Key Specification | ||
|---|---|---|
| Bank / Issuer | AU Small Finance Bank | Axis Bank |
| Joining Fee | Free | Free |
| Annual / Renewal Fee | Free | Free |
| Fee Waiver Condition | No waiver disclosed | No waiver disclosed |
| Rewards & Cashback | 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25) | 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex. |
Airport Lounge Access | 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic) 32 domestic airports • 1 international terminals | Unlimited Domestic visits · ₹20k monthly spend required 26 domestic airports |
| Welcome Bonus |
| Standard welcome pack |
| Best Suited For | Budget International Travelers, Train & Flight Bookers, Online Shoppers & UPI Commuters | Zero Forex Markup, Scapia Travel Rewards & RuPay UPI |
| Official Apply Link | Apply Online (AU Small Finance Bank) | Apply on Official Scapia Portal |
Detailed complimentary domestic & international lounge entitlement comparison
Our data-driven recommendation
Choose Scapia Axis Bank if your primary goal is unlimited domestic airport lounge access on ₹20,000 billing cycle spend, zero forex fees, and travel booking coins. Choose ixigo AU if you travel frequently by Indian Railways or book heavily through ixigo.
Everything you need to know about choosing between ixigo AU Credit Card and Scapia Axis Bank Credit Card.
ixigo AU Credit Card charges a joining fee of Free and an annual renewal fee of Free. In comparison, Scapia Axis Bank Credit Card has a joining fee of Free and an annual fee of Free. Check the fee waiver threshold in the matrix above to see if your annual spend qualifies for a full renewal fee reversal.
ixigo AU Credit Card offers: 5 Reward Points per ₹200 spent offline (1.25% return; 1 RP = ₹0.25). On the other hand, Scapia Axis Bank Credit Card features: 10% Coins on domestic retail (2%), 20% on Scapia travel (4%), 5% on RuPay ₹500+ (1%). 0% on forex.. Your choice should depend on where you spend the most (e.g. online shopping vs travel vs fuel).
ixigo AU Credit Card: 8 Domestic + 1 International visits/year · ₹50k quarterly spend required (Domestic). Scapia Axis Bank Credit Card: Unlimited Domestic visits · ₹20k monthly spend required. Spend requirements vary by card and are shown from the latest structured lounge rules. Check card details or airport eligibility results for current thresholds.
Clicking on the official apply buttons takes you straight to the verified bank portal with Video-KYC capability for instantaneous credit decisioning.
Explore editorially verified credit card comparisons in India for 2026.